Rayvt’s Activity

Yesterday

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Boards Post

Rayvt replied to the Mechanical Investing board. 2:30 PM

Re: CAPS Screen

Why would you pay any attention to a list of stocks touted by a few hundred random anonymous internet posters?

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Rayvt replied to the Retirement Investing board. 2:28 PM

Re: Moving Dividend Stocks from Sheltered Accts

I can just imagine the hassle of accounting for all the dividend reinvestments for cost basis, etc.

No need to. If you are taking withdrawals from the account(s), just stop the dividend reinvestments and take the dividends and spend [more]

Mon Dec 22

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Rayvt replied to the Retirement Investing board. 4:51 PM

Re: Barefoot Retirement

product they are pushing which is an Indexed Universal Life Insurance plan as a retirement vehicle to get tax free money during retirement years? I am not an insurance wizard, and a lot of it is over my head, so I thought I would post it here to [more]

Tue Dec 16

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Rayvt replied to the Retirement Investing board. 3:22 PM

Re: Market has risen but my Retirement totals ha

I looked at your spreadsheet and am confused as to how you implemented the cash bucket. I always thought the way to go would be to change 60/40/0 (stock/bonds/cash) to 60/20/20, but it looks like you did something different. Thoughts? [more]

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Rayvt replied to the Retirement Investing board. 1:31 AM

Re: Market has risen but my Retirement totals ha

Nobody said your portfolio would never become lower, only that it would outlast you.

But it doesn't.


the S&P crash of 2007 had fully recovered almost precisely 5 years later. ... your total net worth would have [more]

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Rayvt replied to the Retirement Investing board. 12:34 AM

Re: Market has risen but my Retirement totals ha

why can't it be worth doubling again for the important feature of a defined maturity date, which essentially does away with the big part of interest-rate risks, when you do need the cash back on a defined, previously-known date?

Why [more]

Mon Dec 15

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Rayvt replied to the Retirement Investing board. 1:41 AM

Re: Market has risen but my Retirement totals ha

I noticed that these "Bullet Shares" come with a 0.44% expense ratio vs. 0.10% for a Vanguard Bond ETF.

That's for the High-Yield (“junk bonds”) ETF's. I think that anyone who uses junk bonds as their "safe" bond [more]

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Rayvt replied to the Retirement Investing board. 12:38 AM

Re: Market has risen but my Retirement totals ha

"Refill it from where? Equities? The equities that just got clocked 3 or 4 or 5 years in a row and are still way down?"

No, the equities that have recovered after a terrible crash over those 5 years. E.g, S&P 500: end of
[more]

Sun Dec 14

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Rayvt replied to the Retirement Investing board. 3:59 PM

Re: Market has risen but my Retirement totals ha

I find it slightly high on a rule-of-thumb basis. I base my RoT on 4% yearly withdrawals (a highly debated number but still the most widely accepted one) and a 5-years cash buffer (so that the 4% withdrawal rate need not potentially be met by [more]

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Rayvt replied to the Mechanical Investing board. 3:37 PM

Re: Hindenburg Omen

Ray,

where did you go on this 80 day trip/cruise?


Another poster asked the same thing, before we left.
[more]

Wed Dec 10

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Boards Post

Rayvt replied to the Mechanical Investing board. 4:08 PM

Re: simple asset allocation SPY and TLT

...in TAA portfolios is the construction of them... As such, I favor a Gary Antonacci (sp?) style approach. A derivative to these two is the interrelationship between them which may in the long run be much more important than the two buckets [more]

Tue Dec 9

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Rayvt replied to the Mechanical Investing board. 7:57 PM

Re: obama vs. reagan and george w:good for capit

I have no trouble agreeing that other people have opinions that are different from mine. What I have trouble understanding is that some people's opinions seem to disagree with their economic interests.

Some people's opinions disagree [more]

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Rayvt replied to the Mechanical Investing board. 7:47 PM

Re: simple asset allocation SPY and TLT

I know I keep asking this, but if TLT will suck, SPY is overvalued, GLD has its doubters, Cash has negative yield, then where is that marginal dollar of new IRA money going???

TLT will undoubtedly suck simply because the outstanding [more]

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Rayvt replied to the Mechanical Investing board. 12:56 PM

Re: obama vs. reagan and george w:good for capit

Author: JeanDavid | Date: 9/28/2014 : The thing that never fails to perplex me is that there are two subsets of "the right." One, that is easy to understand, are the so-called 1%, although they are a much smaller proportion of the [more]

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Rayvt replied to the Mechanical Investing board. 12:27 PM

Re: Hindenburg Omen

mungofitch (posted on 9/21/14): FWIW I'm sticking with my theory that a fresh recent high overrides all my other signals.
Given that it was only zero or one days ago, it doesn't matter much
...
A big drop really soon after a fresh
[more]

Thu Sep 18

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Rayvt replied to the Mechanical Investing board. 4:41 PM

Re: OT: Retirement Account Choices

The idea was that if you suggest someone do something that works out, they mostly tend to forget to credit you for your help, but if they lose money, it's ALL your fault, since you sold them on whatever led to the loss.

Completely [more]

Mon Sep 15

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Rayvt posted to the Mechanical Investing board. 12:56 PM

More interesting predictions

From: http://thereformedbroker.com/chart-o-the-day-this-is-the-ret... quoting Oppenheimer Asset Management

'course, this is just another prediction, and all [more]

Sat Sep 13

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Boards Post

Rayvt replied to the Mechanical Investing board. 10:29 AM

Re: things you should know the difference betwee

Oh and the MDD avg for monthly yldearnyr was a staggering 67% with a max MDD of almost 80%.
This little charmer has a nasty side.


Indeed it does.

That's why you need to have some sort of volatility control [more]

Thu Sep 11

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Boards Post

Rayvt replied to the Mechanical Investing board. 3:53 PM

Re: 2 bagger

it's more emotional / feel good about locking in a gain.

Shortly after beginning my serious investing career, I came to the realization that this ("locking in a gain") was bogus. As bogus and wrong-headed thinking as the [more]

Tue Aug 26

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Boards Post

Rayvt posted to the Retirement Investing board. 5:50 PM

won the game: retiring on $2M, how to handle it

[This analysis is prompted by a question that was posed on another board. The subject is off-topic for that board, as it was really a retirement income question. So I moved it here. It was an interesting exercise to work up.]
[more]

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Big gold star, 5000 posts Top Favorite Fools
Board Posts 10571
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Very First Post Re: BTD using margin accounts? (4/28/1997)
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